darius joins us from towson university. good morning. >> thank you for having me today. >> talking about fiscal cliffs one of the first things you said, it's not a cliff. >> most pundits put it as a fiscal slope to 2014, three impacts, cut in federal spending, the bush era tax cuts which expire december 2013, the immediate payroll deduction. the bush era tax cuts, most people won't feel until 2014 when they file the 2013 tax returns. the payroll deduction, you will probably feel, for income of 50,000 , which would be a thousand dollars a year, the impact for the federal spending won't be felt until october the thousand 13, many state -- 2013. many state programs may feel an impact in june of 2013. >> the clock might be prolonged a bit. if we get in to 2013, and they kick off, how is it going to affect those paying their bills at home. >> it will be a struggle, some people, estimate, from 1000, to $3000 for a households. which would be about a utility bill on a monthly basis or a cable bill or cell phone bill. it won't be go